A fractional CFO is the financial brain you haven’t been able to justify hiring.
Most owner-operated businesses between $1M and $10M hit the same wall: the books get done, but nobody turns those numbers into decisions. You can see what happened last month — you just can’t see what’s coming, or what to do about it.
That’s the gap an outsourced CFO fills. We own the forward-looking side of your finances — the cash-flow forecast, the profit model, the pricing and hiring math, and the monthly read on whether you’re on track — for a flat monthly fee instead of a $250K salary. You get the judgment of a senior CFO without carrying one on payroll.
If cash feels tight even in a good month, that’s usually the first thing we fix — here’s why profit and cash rarely match, and what a CFO actually does about it.
A full finance department, on a fractional budget.
Everything a great in-house CFO would give you — the planning, the numbers, the judgment — without the overhead of a full-time hire.
Cash-flow forecasting
A rolling 13-week forecast so you always know what’s coming and can act before it’s a problem.
Financial modeling
Model hires, price changes, and new lines of business before you commit a single dollar.
Margin & profit strategy
We find where margin leaks and help you cut, reprice, or double down.
Proactive tax planning
Year-round planning so tax season is a formality, not a surprise.
Monthly reporting
One clear report tied to your goals — the numbers that matter, in plain English.
Strategic advisory
A senior CFO on call for the big decisions — pricing, hiring, financing, and growth.
From chaos to clarity, in four steps.
Blueprint
We dig into your numbers and surface where the profit is hiding.
Build
We set up clean books, forecasts, and the reporting rhythm.
Monitor
Every month you get clear numbers and a CFO reading them with you.
Grow
We turn the insight into decisions that lift margin and cash.
A monthly rhythm that keeps you ahead.
No surprise months. Every cycle follows the same clear beat, so you always know your numbers — and what to do about them.
A standing monthly review
A live session where we walk your numbers together — what moved, what it means, and the two or three things to act on now.
A forecast you trust
Your 13-week cash-flow and profit forecast, refreshed every month, so financing, hiring, and big buys are planned — not reactive.
Decisions, not just data
Clear recommendations on pricing, spend, and growth — the judgment calls a great CFO is actually paid to make.
Bookkeepers keep score. We help you get ahead.
A bookkeeper records what already happened. A CFO helps you change what happens next.
A bookkeeper alone
- Records the past — last month’s transactions
- Tells you what you spent, not what to do
- No forecast, no runway, no plan
- Silent on pricing, hiring & margin
- You’re still making big calls on gut
With a Krieger CFO
- Forecasts the future — cash, profit & runway
- Tells you exactly where to act, and why
- A 13-week forecast and a clear monthly plan
- Models pricing, hiring & margin before you commit
- Big decisions backed by real numbers
Built for owner-operated businesses $1M–$10M.
The questions owners ask us first.
We own the forward-looking side of your finances: a rolling 13-week cash-flow forecast, a profit-and-margin model, proactive tax planning, and one clear monthly report tied to your goals — plus a senior CFO on call for pricing, hiring, and financing decisions. A bookkeeper tells you what happened; we help you decide what to do next. More on the role →
Your bookkeeper records transactions and your accountant files taxes — both look backward. A fractional CFO is forward-looking: we forecast cash, model decisions before you commit, and find profit that’s leaking today. We work alongside your bookkeeper and CPA, not instead of them.
Usually between $1M and $10M in revenue, and almost always when a decision is bigger than your visibility — a new hire, a price change, financing, an acquisition, or cash that keeps surprising you despite clean books. If you’re making seven-figure calls on gut feel, it’s time.
A flat monthly fee — our plans start at $2,500/mo, a fraction of the $200K–$500K a full-time CFO commands. You get senior financial leadership sized to your business, with no long lock-in. See full pricing →
The initial Blueprint surfaces where profit is hiding within the first few weeks. From there, most owners feel the difference inside the first quarter — a forecast they trust, a monthly number that actually means something, and a short list of concrete moves to lift margin and cash.
No. We work with your existing QuickBooks or Xero and alongside your current bookkeeper — or we can run clean, current books through our own team if that’s a better foundation. We fit your setup; you don’t rebuild around us.